3 Master Life Hacks to help you Save Money for the rest of your life!

Let me know in the comments if you find this interesting!

When it comes to advice on money, things tend to be repetitive and kind of basic: create a savings account with limited access and put money there, make your own food at home, BUDGET BUDGET BUDGET!

These are of course not bad places to start when it come to being frugal- but it’s easier said than done. Below are some great life hacks that can help you get in the frugal mindset and save money for the rest of your life.

Think In Terms Of Time Spent Rather Than Dollars Spent.

If you have a very relaxed attitude about money, like I many people, then thinking about throwing away $50 on something or other doesn’t disturb you. If that’s the case, then you should start thinking about a purchase in terms of your time rather than in terms of cash. Think about how many hourly wages you will spend on something.

Always have enough Cash to back up any purchase you make, decrease the expense with cashback credit card programs.

Only buy things when you can afford to pay for them in full- take advantage of credit cards cashback offers to save $$ and pay off your bill in full each month. You can save 1-5% on your purchases this way.

Eliminate Impulse buying

Every time you want to buy something, anything… Just wait 1 week. Think about it or don’t think about it. The real goal here is to get out of the mindset of impulse buying. Investing in this good habit will save you money time and time again.

Save money and time by batch cooking!

How much time do you spend per week cooking? How much of your life passes you by while you wait in line at McDonald’s for your ‘fast food’? How much money do you spend per week eating out? If you want to learn how to save money and time on food… batch cooking may be the answer. I’ve been batch cooking or doing some form of meal prep for the entire week ever since I was in college. Batch cooking has helped me tremendously and still continues to be a lifesaver for my health, my time, and my wallet. Supplies and recipes at the bottom.

Batch cooking is preparing most or all of your meals and snacks for the entire week or month on 1 day out of the week. What works with your schedule and storage capacity. If you have a large family, you’re probably already familiar with some level of batch cooking. That doesn’t mean you can’t expand or that batch cooking is useless if you live alone or with your partner.

You can either prepare a whole meal… or you can prepare all the components of one meal to keep things fresh throughout the week.

Nutrition Stripped recommends cooking foods dry and adding sauces, dressings, or seasonings later to avoid making them soggy.
from: nutrition stripped

WHY BATCH COOK?

  • Saves you time from cooking throughout the week or month.
  • Your in control of what your eating, so you can eat healthier.
  • Buying and cooking in bulk will save money as ingredients are cheaper in bulk.

COMMON SUPPLIES NEEDED:

I can’t recommend the plastic containers enough if your just starting out, they’re really affordable. I have glass ones I use now. I’ll post some good

3 Great Batch Cook Recipes:

1. Stew a vegetarian chili that feeds a table of six with just five ingredients.

2. Slow-cook Bolognese sauce over pasta or zoodles

3. chicken fajita casserole

How to save money on auto insurance with this easy trick!

This simple trick could help you save hundreds of dollars per year!

Most people pay month to month for their auto insurance. You probably do as well… you probably didn’t even know you had another option.

Most car insurance companies will also let you pay your entire insurance bill at a steep 20-30% discount if you do it all at once and not month to month. They don’t advertise this because the can make considerably more when you pay month to month.

That means if you pay $140 a month, you could easily be paying $110 a month instead. That’s another $360 dollars in your pocket you can put to work making money for you.

In my mind, every dollar saved is a dollar earned. Especially for things like auto insurance which your required to carry if you drive on public roads. The above example is for my auto insurance.

It’s good to note that not all car insurance companies do this- but it’s a common practice and you should check with your insurer to see if you could be saving money.

If you enjoyed this quick tip, please like, share, comment, or subscribe for more free money saving advice and tips!

The 6 Habits of Lucky People

My grandfather was one of those people who just seemed naturally lucky. In the 1970s and ‘80s, he regularly won prizes like cash, a trip to Brazil, and free food. He also always seems to get the best jobs or always be in the right place at the right time.
Was he truly lucky in the metaphysical sense? Probably not. Luck is about as real as you believe it to be. His lifelong winning streak was more likely the result of his habits. I have found that “lucky” people generally have some specific personality traits that also make them highly effective go-getters.

6habitslucky.png

I hope you enjoyed this! Please like, comment, or follow to let me know! 🙂 Take care!

** if the image won’t load for you **

1. They Work hard and they play harder.

2. They are always teaching others and willing to learn.

3. They are mindful and give 100% to everything.

4. They invest in others, and themselves.

5. They love to explore and always stay curious.

6. They love to compete and share their adventures through storytelling.

 

How to save money on auto insurance with this easy trick!

This simple trick could help you save hundreds of dollars per year!

Most people pay month to month for their auto insurance. You probably do as well… you probably didn’t even know you had another option.

Most car insurance companies will also let you pay your entire insurance bill at a steep 20-30% discount if you do it all at once and not month to month. They don’t advertise this because the can make considerably more when you pay month to month.

That means if you pay $140 a month, you could easily be paying $110 a month instead. That’s another $360 dollars in your pocket you can put to work making money for you.

In my mind, every dollar saved is a dollar earned. Especially for things like auto insurance which your required to carry if you drive on public roads. The above example is for my auto insurance.

It’s good to note that not all car insurance companies do this- but it’s a common practice and you should check with your insurer to see if you could be saving money.

If you enjoyed this quick tip, please like, share, comment, or subscribe for more free money saving advice and tips!

3 Master Life Hacks to help you Save Money for the rest of your life!

Let me know in the comments if you find this interesting!

When it comes to advice on money, things tend to be repetitive and kind of basic: create a savings account with limited access and put money there, make your own food at home, BUDGET BUDGET BUDGET!

These are of course not bad places to start when it come to being frugal- but it’s easier said than done. Below are some great life hacks that can help you get in the frugal mindset and save money for the rest of your life.

Think In Terms Of Time Spent Rather Than Dollars Spent.

If you have a very relaxed attitude about money, like I many people, then thinking about throwing away $50 on something or other doesn’t disturb you. If that’s the case, then you should start thinking about a purchase in terms of your time rather than in terms of cash. Think about how many hourly wages you will spend on something.

Always have enough Cash to back up any purchase you make, decrease the expense with cashback credit card programs.

Only buy things when you can afford to pay for them in full- take advantage of credit cards cashback offers to save $$ and pay off your bill in full each month. You can save 1-5% on your purchases this way.

Eliminate Impulse buying

Every time you want to buy something, anything… Just wait 1 week. Think about it or don’t think about it. The real goal here is to get out of the mindset of impulse buying. Investing in this good habit will save you money time and time again.

How much do you spend on Coffee?

Do you know how much you spend per week on coffee?  There is calculator at the bottom of the article. Let me know in the comments if you find this interesting!

For many people who live and work in the city coffee is a way of life. The case is especially true for Seattle- where Starbucks Coffee originates.

Coffee is a brewed drink prepared from roasted coffee beans, which are the seeds of berries from the Coffee plant. Coffee originates in Africa- but is now grown over 70 countries worldwide because of how popular it is. It’s one of the fastest growing multi billion dollar industries in the world and one of the most in demand commodities. I’ll get back to this point and why it matters in a minute.

The coffee craze is driven in part by the fact that people need an extra kick to get them through the day- which I understand completely. I’ve drunken my fair share off coffee and there were times when I was younger I briefly followed the growing Starbucks army.

I would have 2-3 cups of coffee per day. Easily coming to $10 dollars depending on what I would get where. 5 days a week- 50 weeks a year…

I was spending easily $2500 dollars a year on coffee! THROWING IT AWAY.

As soon as I realized this I knew I had to correct my course of action. At the time that was a sizeable amount of income. Now this blog and other projects of mine would cover that cost passively ;). I’m still going to save the money and consider it a double savings for not having spent it.

I had many options in front of me- the most obvious one at the time was to buy a Mr. Coffee and cheap grounds to make at home. However I then learned that some countries will add various things- including ground corn and dirt to ground coffee during coffee shortages (largely brought on by my point above…)

The next logical step was to buy whole beans and grind them myself. I didn’t mind making the one time cost into a high quality grinder– however the reoccurring cost of fresh beans was still kind of high when I compared it to the cheaper ground coffee. So I ultimately decided to cut coffee out of my regular day to day life and I think that was the best decision for me. I could of also reduced my intake but I figured it may be nice to try going without coffee for a while.

However if you still want to drink coffee- buying the beans your self and grinding them at home will absolutely cut your costs down by a factor of 90%. For me, that would mean I’d spend about $250 a year- which is far more manageable. However it also involves much more effort for which my time has been sparse. So I decided to pocket the rest of the money and save the time as well.

monday morning coffee GIF

It actually wasn’t to hard for me to stop drinking coffee cold turkey- but a lot of people do experience withdrawals and get caffeine headaches. So for some it may be a good idea to slowly reduce your consumption first.

More Info and External Sources:

Your coffee might have dirt in it

The Coffee Craze

Coffee Spending Calculator

Coffee is a Waste of Money

Average Coffee Expenses